SafetyMargin.ioSafetyMargin.io
BlogWatchlistCompare
Compare Stocks › ADBE vs PODD

Adobe Inc. (ADBE) vs Insulet Corporation (PODD)

ADBE
Adobe Inc.
$250.71
VS
PODD
Insulet Corporation
$175.04

Rewards

ADBE
  • ★Adobe Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 89.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Adobe Inc. scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
PODD
  • ★Gross margin of 71.6% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Each dollar of retained earnings has created $3.09 of earning power — management is an exceptional capital allocator.
  • ★Trailing P/E of 50.3x is 96% below the historical average of 1346.7x — potentially undervalued relative to its own history.

Risks

ADBE
    PODD
    • ⚠FCF yield of 2.9% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
    • ⚠PEG ratio of 12.90 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.

    Key Valuation Metrics

    Learn more →
    ADBE
    PODD
    Valuation
    $9.32B
    Free Cash Flow
    $349.90M
    9.20%
    FCF Yield
    2.89%
    14.62
    Trailing P/E
    50.30
    9.48
    Forward P/E
    21.69
    Quality & Moat
    41.36%
    ROIC
    15.86%
    62.36%
    ROE
    16.31%
    89.40%
    Gross Margin
    71.63%
    1.32
    PEG Ratio
    12.90
    Balance Sheet Safety
    0.58
    Debt / Equity
    0.66
    N/A
    Interest Coverage
    N/A
    -0.02
    Net Debt / EBITDA
    0.51
    N/A
    Dividend Yield
    N/A
    ADBE: 10Ties: 1PODD: 0
    ADBEPODD

    Historical Fundamentals

    Learn more →
    ADBE

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    PODD

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    $1 Retained Earnings Test

    Learn more →
    ADBE
    $-0.60
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $18.12B
    Δ Market Cap
    $-10.93B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
    PODD
    $-0.52
    created per $1 retained over 3 years
    Market Cap Declined
    Σ Retained
    $871.7M
    Δ Market Cap
    $-455.5M
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Discounted Cash Flow (DCF) Analysis

    Learn more →
    ADBE
    50.0% Margin of Safety
    Price is 50.0% below estimated fair value
    Current Price: $250.71
    Fair Value: $501.89
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    PODD
    23.2% Margin of Safety
    Price is 23.2% below estimated fair value
    Current Price: $175.04
    Fair Value: $227.96
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

    Learn more →
    ADBE

    What growth rate is the market pricing in at $251?

    +3.0%
    Market-Implied Owner Earnings Growth
    Standard FCF implies -0.7%

    The market implies +3.0% Owner Earnings growth, below historical trends — potential opportunity.

    Standard FCF implies a more demanding -0.7%, reflecting heavy growth investment expected to generate future returns.

    PODD

    What growth rate is the market pricing in at $175?

    +20.3%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +15.5%

    The market implies +20.3% Owner Earnings growth, below historical trends — potential opportunity.

    Standard FCF implies a more demanding +15.5%, reflecting heavy growth investment expected to generate future returns.

    Economic Moat Score

    Learn more →
    ADBE
    100/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
    PODD
    55/100
    Narrow Moat
    70+ Wide · 40-69 Narrow · <40 None

    Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

    Forensic Accounting

    Learn more →
    ADBE
    -2.85
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
    PODD
    -2.51
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Ownership Breakdown

    Learn more →
    ADBE
    Insiders 0.3%Institutions 87.7%Retail & Other 12.0%
    No. of Institutional Holders3,316
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
    PODD
    Insiders 0.3%Institutions 105.5%
    No. of Institutional Holders1,190
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

    High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

    Insider Buying Activity

    Learn more →
    ADBE
    0
    Buys (3M)
    0
    Buys (12M)
    DURN DANIEL J
    Chief Financial Officer
    $507,758
    @ $390.58 · 2025-03-20
    RICKS DAVID A
    Director
    $998,946
    @ $443.98 · 2025-01-28
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    PODD
    1
    Buys (3M)
    2
    Buys (12M)
    Total value (12M): $799,731
    MINOGUE MICHAEL R
    Director
    $499,847
    @ $246.23 · 2026-02-25
    STONESIFER TIMOTHY C
    Director
    $299,884
    @ $311.73 · 2025-12-05
    CHADWICK ANA MARIA
    Chief Financial Officer
    $20,600
    @ $206.00 · 2024-08-29
    Open market purchases · includes direct & indirect ownership · excludes option exercises

    Open market purchases · includes direct & indirect ownership · excludes option exercises.

    Insider Selling Activity

    Learn more →
    ADBE
    1
    Sells (3M)
    3
    Sells (12M)
    Total value (12M): $867,022
    DURN DANIEL J
    Chief Financial Officer
    $331,355
    @ $248.02 · 2026-04-20
    DURN DANIEL J
    Chief Financial Officer
    $485,323
    @ $294.85 · 2026-01-27
    FORUSZ JILLIAN
    Officer
    $50,344
    @ $337.88 · 2025-10-31
    FORUSZ JILLIAN
    Officer
    $175,828
    @ $380.58 · 2025-05-02
    FORUSZ JILLIAN
    Officer
    $145,567
    @ $435.83 · 2025-01-28
    BELSKY SCOTT K
    Officer
    $2.05M
    @ $431.61 · 2025-01-27
    BANSE AMY L
    Director
    $333,300
    @ $550.00 · 2024-12-06
    FORUSZ JILLIAN
    Officer
    $327,987
    @ $485.19 · 2024-10-29
    BELSKY SCOTT K
    Officer
    $232,525
    @ $483.42 · 2024-10-25
    BELSKY SCOTT K
    Officer
    $1.14M
    @ $511.48 · 2024-10-16
    DURN DANIEL J
    Chief Financial Officer
    $3.35M
    @ $515.44 · 2024-09-17
    GARFIELD MARK S.
    Officer
    $52,089
    @ $537.00 · 2024-07-25
    BELSKY SCOTT K
    Officer
    $258,297
    @ $537.00 · 2024-07-25
    GARFIELD MARK S.
    Officer
    $85,255
    @ $564.60 · 2024-07-16
    BELSKY SCOTT K
    Officer
    $1.25M
    @ $561.60 · 2024-07-16
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    PODD
    0
    Sells (3M)
    11
    Sells (12M)
    Total value (12M): $8.44M
    FREDERICK WAYNE A.I.
    Director
    $542,510
    @ $293.09 · 2025-12-15
    SINGH PREM
    Officer
    $238,726
    @ $347.49 · 2025-09-08
    COUSIN LAETITIA
    Officer
    $278,002
    @ $348.81 · 2025-09-08
    BENJAMIN ERIC
    Officer
    $1.42M
    @ $332.23 · 2025-08-21
    SINGH PREM
    Officer
    $429,760
    @ $320.00 · 2025-08-07
    MANEA DANIEL
    Officer
    $390,065
    @ $300.05 · 2025-06-13
    SINGH PREM
    Officer
    $698,216
    @ $300.05 · 2025-06-13
    BORIO LUCIANA
    Director
    $147,056
    @ $305.73 · 2025-06-09
    KAPPLES JOHN W.
    General Counsel
    $1.68M
    @ $318.47 · 2025-05-14
    BENJAMIN ERIC
    Officer
    $960,320
    @ $320.00 · 2025-05-13
    HOPFIELD JESSICA
    Director
    $1.66M
    @ $317.54 · 2025-05-13
    FREDERICK WAYNE A.I.
    Director
    $501,875
    @ $275.00 · 2025-03-25
    BENJAMIN ERIC
    Officer
    $3.47M
    @ $280.00 · 2025-01-21
    BENJAMIN ERIC
    Officer
    $1.17M
    @ $267.60 · 2024-12-16
    BUDDEN LAUREN
    Officer
    $252,192
    @ $275.62 · 2024-12-10
    BORIO LUCIANA
    Director
    $139,598
    @ $274.80 · 2024-11-12
    HOPFIELD JESSICA
    Director
    $1.72M
    @ $225.26 · 2024-09-11
    SCANNELL TIMOTHY J.
    Director
    $1.13M
    @ $225.84 · 2024-09-10
    BUDDEN LAUREN
    Officer
    $333,443
    @ $221.41 · 2024-09-09
    FIELD MARK N
    Chief Technology Officer
    $305,463
    @ $220.87 · 2024-09-09
    SINGH PREM
    Officer
    $368,940
    @ $202.27 · 2024-08-30
    FIELD MARK N
    Chief Technology Officer
    $281,561
    @ $203.00 · 2024-08-28
    FIELD MARK N
    Chief Technology Officer
    $299,940
    @ $199.96 · 2024-06-14
    FIELD MARK N
    Chief Technology Officer
    $405,806
    @ $190.43 · 2024-06-10
    SCANNELL TIMOTHY J.
    Director
    $1.33M
    @ $190.51 · 2024-06-10
    BORIO LUCIANA
    Director
    $65,729
    @ $182.58 · 2024-06-04
    SCANNELL TIMOTHY J.
    Director
    $596,970
    @ $180.90 · 2024-05-28
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

    🎭 Mr. Market's Mood

    Learn more →
    ADBE
    FearGreed
    😨Fear(37/100)

    "Market is pessimistic — investigate whether fears are temporary or structural"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
    PODD
    FearGreed
    😨Fear(24/100)

    "Market is pessimistic — investigate whether fears are temporary or structural"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    ⚖️ Buffett Signal

    Learn more →
    ADBE
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Fear (37)
    PODD
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Fear (24)
    View ADBE Full AnalysisView PODD Full Analysis
    ADBE vs PODD: Which Is the Better Buy? | SafetyMargin.io